FAFSA

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Did anyone check if the CSS Profile is required by the school? Some private colleges require BOTH the FAFSA and CSS Profile to award institutional aid. If you only filled out FAFSA, you might be missing out on school-specific grants and scholarships that could reduce what you need to borrow!!!

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Oh no... I think we might have missed this. I vaguely remember seeing CSS Profile mentioned somewhere but thought it was just another name for FAFSA. We definitely didn't fill out a separate form. I'm going to check the school's financial aid website right now. Thank you for pointing this out!

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One more thing to consider: your student can accept LESS than the full loan amount offered in the aid package. Many students make the mistake of taking all loans offered even if they don't need the full amount. Calculate exactly what you need after: 1. Any scholarships/grants 2. Your manageable contribution 3. Student work-study/job income 4. Payment plans Then only accept the minimum federal loans needed to cover the gap. You can always request the additional offered amount later in the semester if needed. This approach can save thousands in unnecessary interest later!

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That's excellent advice! We definitely need to sit down and calculate exactly what we need rather than just accepting everything offered. And I didn't realize we could request additional amounts later if needed - that's good to know as a safety net. Thank you to everyone who replied! I feel so much better informed now. We're going to: 1. Appeal our SAI based on medical expenses and income change 2. Check if we need to complete the CSS Profile 3. Look into Parent PLUS loans for any remaining gap 4. See if the school offers a payment plan This forum has been incredibly helpful!

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Update on this issue: FSA just acknowledged this is a known bug affecting about 20% of contributor invites. The official workaround they're recommending is: 1. Student should cancel all pending invites 2. Log out completely and clear browser cache/cookies 3. Wait 1 hour (this is important) 4. Log back in and send new invites 5. Have contributors check ALL email folders within 24 hours If this doesn't work, they're now providing a manual override process through their support line. When you call, specifically ask for the "Contributor Access Override" process. Hope this helps!

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Thank you so much for the update! We'll follow these exact steps tonight. So glad to hear they're acknowledging the problem and have a specific process for it now.

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UPDATE: We got it working! After canceling the invites, waiting, and sending new ones to a freshly created email, the invite finally came through. For anyone else having this issue, the solution was a combination of: 1. Having my daughter cancel all pending invites 2. Creating a brand new email account just for FAFSA 3. Waiting a full hour before sending new invites 4. Having her submit the invite to the new email The invite showed up within 5 minutes. Now I'm working through my contributor section. Thank you all for your help!

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SO GLAD you got it working!!! This whole system has been a nightmare. Might help others in the same boat if you share this solution!

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Has anyone heard if scholarships are being affected by the SAI changes? My daughter has a merit scholarship, but we're still expected to pay way more with the new calculation than we did for her first year. It feels like they're reducing need-based aid for middle-class families.

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Honestly, the whole system is rigged against the middle class now. My family makes just enough to get basically no aid but not enough to actually afford college. The SAI formula is even worse than the old EFC. My daughter is taking out maximum loans and still had to drop to part-time this semester to work more hours. It's criminal what they're doing to our kids with these calculations.

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@OP - Regarding your question about technical glitches: The Department of Education has made significant improvements to the FAFSA system after last year's problematic rollout. The parent/contributor section has been completely redesigned and the direct IRS data transfer should work much more smoothly. They've also added more server capacity for the December opening. For your daughter's final semester, make sure you also check with her school's financial aid office about any special procedures for graduating students. Some institutions have additional forms for students in their final term, especially if they're taking a reduced course load.

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That's a relief! I'll definitely check with her school too. I didn't even think about there being different rules for final semester students. Thank you!

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Another thing to try - ask the financial aid office specifically which FAFSA year they're looking for. With the academic calendar crossing years, sometimes they look at the wrong aid year. Make sure they're checking for the 2025-2026 FAFSA and not 2024-2025.

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I'll double check this too. I'm pretty sure we were both talking about 2025-2026 since that's what we completed, but it doesn't hurt to be specific when I call tomorrow. Thanks!

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just went thru this nightmare!! turns out my sons social security number was entered with a typo on his college application but correct on fafsa. school couldn't match them up. worth checking if any info is slightly different between systems.

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Oh wow, I hadn't even considered that possibility! I'll definitely ask them to verify all his personal info in their system. Even a small typo could explain everything.

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The calculatur online is BS anyway. I did it with my daughter and it also said 0 pell, then the real award gave us like $1500 in pell grants. IDK why they can't just make the darn thing acurate in the first place!!!!!

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It varies so much because the calculator is just using the basic federal formula without considering school-specific adjustments. Each college's financial aid office has some discretion in how they apply certain factors.

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Just to clarify for everyone in this thread: 1. The FAFSA calculator shows your federal aid eligibility based on standard formulas 2. Your actual financial aid package will come from each individual school 3. Schools may offer institutional grants/scholarships on top of federal aid 4. Your SAI (Student Aid Index) determines Pell Grant eligibility 5. For 2025-2026, the maximum Pell Grant is approximately $7,395 6. If your SAI is above 7,395, you won't qualify for Pell 7. The "federal aid" amount typically refers to loan eligibility And remember, if you have special circumstances (medical expenses, job loss, etc.), you can request a Professional Judgment review at each school. It's worth the effort if your financial situation has changed.

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Thank you for breaking it down so clearly. This whole system is more complicated than I expected. We'll definitely be pursuing the Professional Judgment review based on our medical expenses. I'm also going to have my son apply for some private scholarships to try to fill the gap.

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